California micro-market
Healthcare practice financing in Oakley, California
Direct answer
Contra Costa County carries 39 SBA healthcare approvals worth $25,197,200, and inside Oakley the census shows 63 enumerated clinicians against 47,158 residents, 13.4 per 10,000, 16 percent of them in skilled nursing, assisted living, and memory care. Stockton-Lodi, CA lies 21 miles away.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. California rules, and what happens to an inquiry raised from a California address, are set out on the California page.
- Population: 47,158 residents (25K-50K band)1
- Healthcare providers registered here: 63 across 17 fields2
- Median household income: $132,0673
- Largest provider field: Skilled nursing, assisted living, and memory care: 10 registered providers2
- Nearest metro: Stockton-Lodi, CA, 21 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $25,197,2004
What NPPES records at Oakley addresses
Counted at the town's own addresses: 63 providers, 17 fields, 13.4 clinicians per 10,000 of the 47,158 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Skilled nursing, assisted living, and memory care | 10 | 2.1 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 1.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 7 | 1.5 | NPPES [2] |
| Chiropractic | 6 | 1.3 | NPPES [2] |
| General dentistry | 6 | 1.3 | NPPES [2] |
| ABA and autism therapy | 6 | 1.3 | NPPES [2] |
| Primary care and family medicine | 4 | 0.8 | NPPES [2] |
| Home health | 3 | 0.6 | NPPES [2] |
| Dental specialties | 3 | 0.6 | NPPES [2] |
| Independent pharmacy | 3 | 0.6 | NPPES [2] |
| Optometry and ophthalmology | 2 | 0.4 | NPPES [2] |
| DME and HME suppliers | 1 | 0.2 | NPPES [2] |
| IDD services | 1 | 0.2 | NPPES [2] |
| Non-medical home care | 1 | 0.2 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.2 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
A single Oakley practice can hold more than one of these numbers. 16 percent sit in skilled nursing, assisted living, and memory care, counted as clinicians rather than as owners.
The lending record behind Oakley
The published file shows 39 healthcare approvals in Contra Costa County, $25,197,200 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 39 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $25,197,200 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $646,082 | The dollar column over the approval column [4] |
| Lending establishments in the county | 596 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 13.4 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Contra Costa County already carries $25,197,200 across 39 healthcare approvals, a request near that average moves faster than one well above it. A $132,067 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Oakley mix reaches for
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Oakley's own provider mix, which skilled nursing, assisted living, and memory care dominates at 16 percent. What a partner can actually place in California is a separate question.
The first pages of a Oakley file
Drawn from the fields that actually practice here: skilled nursing, assisted living, and memory care, behavioral and mental health group practices, physical, occupational, and speech therapy
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Skilled nursing, assisted living, and memory care (10) | Census and occupancy, Staffing reporting, Survey history | Working capital |
| Behavioral and mental health group practices (7) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (7) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
NPPES supplies the Oakley counts. The reading columns describe the field in general, and no partner reviewing a Oakley file is bound by them.
Density beside the neighboring California towns
Density is the number that moves an appraisal: 13.4 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Oakley (current) | 47,158 | 63 | 13.4 | |
| Brentwood | 66,286 | 373 | 56.3 | 4 |
| Pittsburg | 77,131 | 197 | 25.5 | 11 |
| Rio Vista | 10,248 | 8 | 7.8 | 12 |
| Clayton | 10,933 | 18 | 16.5 | 13 |
| Danville | 43,410 | 356 | 82.0 | 20 |
| Pleasant Hill | 34,169 | 344 | 100.7 | 21 |
How Oakley sits against the nearest metro
Distance to Stockton-Lodi, CA is 21 miles. Appraisers borrow Stockton-Lodi, CA rents, and the 47,158 residents set the ceiling on collections. Median household income runs $132,067, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Oakley, which a projection needs to state plainly.
Nearby California towns
What owners in Oakley ask
01How many providers practice in Oakley, and in what?
Across 17 fields, Oakley carries 63 enumerated clinicians, 13.4 per 10,000 of the 47,158 people living here. The concentration is in skilled nursing, assisted living, and memory care, 10 of the total, then behavioral and mental health group practices at 7. Count practices from that only with care.
02What does SBA lending look like around Oakley?
$25,197,200 went to healthcare borrowers in Contra Costa County across 39 approvals, $646,082 on average. Deals near Oakley get sized against that record before anything else.
03Is Oakley underwritten as part of Stockton-Lodi, CA?
Stockton-Lodi, CA sits 21 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Stockton-Lodi, CA; the 47,158 residents set the ceiling a projection can defend.
04What does a $132,067 median income mean for case acceptance?
Median household income in Oakley runs $132,067. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
05What does Contra Costa County's shortage designation change?
Contra Costa County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Oakley can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06Is there local lending capacity in Contra Costa County?
County Business Patterns records 596 credit intermediation establishments in Contra Costa County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Oakley rents and resale before or by somebody working from a screen.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.